السلامة المالية ودورها في تحقيق الرفاهية المالية

الملخص EN

The current study seeks to know the role of financial soundness as an independent variable, represented by its indicators (the ratio of capital to assets, the ratio of equity to assets, the ratio of capital adequacy, the ratio of non-performing loans to loans, the ratio of loans to assets, and the cost ratio to income) in achieving financial well-being as a dependent variable, and determining the type of relationship between the study variables, in the study sample commercial banks, and the study problem identified the following main question: what is the role of financial soundness in achieving financial well-being? in order to achieve the objectives of the study and answer its questions, the study tested a sample of commercial banks, which were classified as private joint stock companies using the data extracted from the annual financial statements, and the reports published on the website of the securities commission, and the Iraq Stock Exchange for the period from (2010- 2020).

the sample included (10) ten listed commercial banks, and the study used the Bankometer model and its indicators in measuring and evaluating financial soundness, and the modified ALTMAN Z-Score model in measuring and evaluating the financial well-being of the study sample banks.

it sought to test the sub-hypotheses, and related to the influence relationships between the variables of the current study, to answer the questions related to the problem of the current study, and to reach the objectives set, and in order to process the data, many financial equations and statistical methods were used, and the results were extracted using the computer program (Excel) and (SPSS v.23) and ( SMART PLS).the most important finding of the study and through the results obtained is that the independent variable financial soundness has a direct and significant effect on the dependent variable, which is financial well-being.